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Sharaf has been working in an ambulance service as head nurse for 36 years. Her husband is retired. They have been living together for more than 30 years. They have two beautiful children.

One of their sons is leaving for Russia to find work. Her son is unmarried and Sharaf and her husband want to get him married this year. Her son is similarly planning to earn for his wedding in Russia and at the end of the year to hold his wedding. But Sharaf can not pay all the costs of air travel and for that she has applied for a loan from Arvand.
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Шараф работает в службе скорой помощи старшей медицинской сестрой в течении 36 лет. Ее муж является пенсионером, они вместе с мужем живут более 30 лет. У них двое прекрасных детей. Один из сыновей собирается уезжать в Россию на заработки. Ее сын неженат и Шараф с мужем хотят женить его в этом году. Сын также планирует заработать на свадьбу в Росии и в конце года провести свою свадьбу. Но Шараф не может оплатить полностью стоимость авиабилетов и для этого она обратилась за кредитом в Арванд.

Additional Information

About MDO Arvand

MDO Arvand is one of the leading microfinance institutions in Tajikistan, offering small loans to entrepreneurs to start and grow their businesses. This makes an enormous difference in a country, which is not only the poorest in Central Asia, but also home to a population where two-thirds live below the poverty line. Today, Tajikistan's economy literally depends on remittances being sent from family members working abroad in Russia because there are so few local job opportunities.

But Arvand loans have been able to make a difference and change lives. Read about some of the incredible success stories they have seen here in this Kiva blog post: Bringing hope to Tajikistan with Arvand -- one success story at a time.

About Tajikistan

  • $2,700
    Average annual income
  • 115
    View loans »
    Tajikistan Loans Fundraising
  • $29,875,725
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Sharaf to purchase an airline ticket.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 1, 2013
Mar 22, 2013
Currency Exchange Loss:
Oct 17, 2013